Do you run a business out of your home? A daycare? Are you a maker of food, hats, dog biscuits? First, congratulations on starting your business! Second, let us help you be properly protected against potential lawsuits and claims.

We stand with our local businesses and we want to support you in any way that we can. One way that we can help is by providing you with the knowledge and understanding that if you have a business out of your home, you need specific coverage.

According to Insurance Bureau of Canada (IBC), liability is typically the greatest risk with a home business.

Consider these scenarios:

  • What if a client falls while walking up the steps to your home?
  • What if you are sued because of problems with a product or service you provide?
  • If you run a daycare business in your home, do you have adequate coverage?

Your home insurance policy would not cover these situations.

Commercial General Liability Insurance (CGL)

At a minimum, Commercial General Liability Insurance (CGL), is coverage that will protect your business in the event that you are sued, and it is most often used to offset the cost of claims against your business.

Individual business needs vary widely and the liability of someone knitting hats differs greatly from someone welcoming clients into their home. There is not a one-size-fits-all solution, but there is a solution for your unique business. You should connect with your insurance broker before the launch of your business to ensure you are protected against any future lawsuits and claims.

We like how Anne Marie Thomas, director of consumer and industry relations with the IBC, put it: “With insurance, it’s better to have it and not need it, then to need it and not have it.”

Roughley’s team of insurance professionals is standing by to answer your call. If you have questions about your insurance, we invite you to call us and speak to one of our team members.

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We are available Monday to Friday, 9am until 4:30pm.
Oshawa Location
Phone: 905.576.7770 • Toll Free: 1.888.558.0883
Fax: 905.576.3610
[email protected]

Bowmanville Location
Phone: 905.697.4257 • Toll Free: 1.888.558.0883
Fax: 289.316.3662
[email protected]